US6006988A - Non-cash media card and process of dispensing from automated teller - Google Patents
Non-cash media card and process of dispensing from automated teller Download PDFInfo
- Publication number
- US6006988A US6006988A US08/893,171 US89317197A US6006988A US 6006988 A US6006988 A US 6006988A US 89317197 A US89317197 A US 89317197A US 6006988 A US6006988 A US 6006988A
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- US
- United States
- Prior art keywords
- card
- cash
- tolerances
- currency
- media card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
Definitions
- the present invention generally relates to non-cash media which is dispensed to a user, and more particularly to non-cash media which has value, and which is dispensed to a user through an automatic teller machine.
- ATM's Automated teller machines
- ATM's are machines which dispense cash to a user, typically after the user inserts a card with electronically encoded information, such as name and account number. The value of the cash dispensed is deducted from one of the user's bank accounts and shows up on his bank statement.
- ATM's can be found in the lobbies of banks, in drive-through installations, in malls, in gas stations, in grocery stores, in airports, and in any place where a customer may need to obtain cash.
- ATM's also dispense certain non-cash documents, such as receipts, or information about a client's account balance. These documents are printed within the machine upon demand, and are typically produced and presented through a separate delivery slot than the cash which is presented to customers.
- Non-ATM machines There are also specialized non-ATM machines presently available for use by consumers which dispenses such objects as stamps, or in other configurations, phone cards which entitle the user to a certain monetary value of phone transactions. These machines are configured to dispense a particular item, either stamps, phone cards, or other types of output. Because of their specialized function, it is impractical to offer to the customer a wide selection of cards dispensed from these machines, nor is cash dispensed from these machines, as an ATM does. What is needed is a card which may be dispensed from an ATM machine which has value to the user and which is selectable by the user through an ATM interface.
- Cards which may be dispensed and which have value could include admission tickets to events or locations, cards with encoded memories, such as phone cards or gas cards, cards with computer chips with encoded memory, collectable cards, cards with punch outs for goods or services, bar codes, cards redeemable for goods and services, or any other card like instrument which has value to the consumer.
- cards with encoded memories such as phone cards or gas cards, cards with computer chips with encoded memory, collectable cards, cards with punch outs for goods or services, bar codes, cards redeemable for goods and services, or any other card like instrument which has value to the consumer.
- the card would have dimensions and characteristics which correspond to the parameters of the ATM machine. From such an ATM dispensable card, one configuration could contain a credit card-size card which could be removable from the ATM dispensable card.
- the credit card size card could be a pass to an event, or contain encoded memory information, or be any of the previously listed embodiments of the card.
- this card could be updated with new memory information, which could augment the value remaining on the card. Since the dispensed card could be the size of the currency dispensed by that particular ATM machine, and a smaller card would be removable from the currency-sized card, the dispensable card presents the opportunity for advertising, instructions, or other information to be presented to the user.
- this invention provides a non-cash media card for use in ATM machines which is dispensable by the same apparatus which dispenses cash from ATM machines. It is a further object of the invention to provide a process for dispensing the non-cash media cards from an ATM machine through the same apparatus which dispenses cash.
- a non-cash media card for use in an automatic teller machine (ATM).
- ATM would be configured for use with a selected currency. Since the currency of different countries is of different dimensions, ATM machines are made which process currency of a number of dimensions. However, no ATM machine is made which can process and dispense a credit card-sized card -2" ⁇ 3".
- the non-cash media card would be configured to correspond to the requirements of any of these ATM machines.
- the non-cash media card is a card which is dispensed by the ATM, and which has the same dimensional tolerances for the currency dispensed by the ATM.
- the non-cash media card has a value to the user or can be used by the user in exchange for goods and services.
- the characteristics of the non-cash media card will be similar to the selected undamaged currency which the ATM processes In terms of the side edge characteristics, the flex and stiffness tolerances, the roughness tolerances, the thickness tolerances, the weight tolerances, the tear tolerances, the length and width tolerances, the porosity tolerances, and the contrast ratio opacity tolerance.
- the non-cash media card could be a ticket allowing entry to an event or a location. It could also be a collectible card, such as a card for a sport figure or to commemorate an event. If the card involves stored memory, each subsequent transaction could reduce the remaining value chargeable on the card. Some uses of this card could be for telephone charges or for gas purchases, but obviously could be utilized for any purchase for which a card reader is available.
- the value chargeable to the card can be augmented by a subsequent transaction in an appropriate machine or by the user at the ATM machine by making a phone call, by face-to-face transaction, or to other industry acceptable ways of augmenting value.
- the invention is also a process for dispensing a non-cash media card from an ATM machine through the same channels as cash is dispensed.
- the non-cash media card and the process of the invention thus provides a card and a process for dispensing the card through an ATM machine.
- This provides a secure environment for dispensing a variety of value added cards which is not presently available.
- the secure environment has the unexpected benefit of reducing shrinkage due to losses from theft.
- This is also an unexpected use of an ATM machine.
- This also presents an opportunity for companies to advertise goods or services on the card, and allows a seller of a goods or services to sell a customer a non-cash media card which is redeemable at a later date with or without the use of a magnetic card reader or other value added storage devices.
- FIG. 1 is a perspective view of a prior art automated teller machine.
- FIG. 2 is a perspective view of the non-cash media card of the invention with a detachable credit card size portion.
- FIG. 3 is a perspective view of a detached credit card size portion from FIG. 2, which includes a memory strip.
- the preferred embodiment of the invention is a non-cash media card which is dispensed from an automated teller machine (ATM).
- ATM automated teller machine
- This card is preferably made from a plastic material, polyester, (does not leave a track mark), of which any number of formulations would be appropriate.
- the dimensions and tolerances of the card are such that it is compatible with the cash handling apparatus of an ATM machine. Specifically, the card is 8 to 30 mils thick.
- the ATM dispensable card is 65 to 95 (2") millimeters in width. It is from 120 to 170 millimeters in length.
- machined direction and “cross direction” come from the testing of a variety of plastic and other similar rigid/plastic materials for strength, flexibility, tear strength and durability.
- machine direction comes from the way the material is extruded in raw form by the original manufacturer. It is in essence the grain of the material as in the grain found in wood. Actual molecules of the material tend to line up in a pattern that create a "grain” or “machine direction” meaning the direction of the grain as found in the raw material as created by the extrusion process.
- the grain allows the act of tearing or cutting along the grain more easy than cutting or tearing across the grain.
- Its weight is 65 to 95 grams per square meters.
- Its bendsden roughness is from 200 to 1200 ml per minute.
- Its taber stiffness (in the cross direction) is 0.8 to 2.4 (machined direction) is from 1.2 to 4.0.
- Its bendsden velocity is 150 mils per minute.
- Its single tear (machined direction) is a minimum of 230 mN. Its single tear (cross direction) is a minimum of 270 mN.
- Its contrast ratio opacity is a minimum of 7
- the non-cash media card can be configured to serve as an admission ticket to events or locations. It can also be configured to carry an image which makes the card collectible, such as an image of a sport figure.
- the card can be configured with punch-outs for goods or services, in which a region of the card is removed to indicate that goods have been received or a service has been performed. When all of the punch outs of the cards are utilized, the user would have to buy a new card with punch outs.
- the cards themselves may be also redeemable for goods or services, such as a car wash, a carpet cleaning, a hot air balloon ride, or any number of goods or services.
- the card could also have regions with encoded memory on which subsequent transactions would be recorded to diminish or augment the stored value on the card.
- the memory could be in the form of magnetic strip or strips, computer chips, bar codes, holograms, optical recognition or other means of storing data.
- the non cash media card is configured to be within the dimensions as the currency being handled by an ATM machine, is of the same tolerances as noted above, and the possibility of having a removable portion which is the size of a conventional credit card.
- This removable portion can be configured as In the embodiment described above, to act as a pass to events, or as a collectible, and to carry stored information in a memory storage device.
- the non-cash media card can be printed to display promotional information in addition to serving the purpose for which the card was purchased.
- the invention is a process for dispensing a non-cash media card from an ATM machine.
- the non-cash media card is a card as described above, which is selected by a user through the ATM interface, and dispensed from the ATM through the same apparatus as that which is used to dispense cash.
Abstract
Description
Claims (25)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
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US08/893,171 US6006988A (en) | 1997-07-15 | 1997-07-15 | Non-cash media card and process of dispensing from automated teller |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
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US08/893,171 US6006988A (en) | 1997-07-15 | 1997-07-15 | Non-cash media card and process of dispensing from automated teller |
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US6006988A true US6006988A (en) | 1999-12-28 |
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US08/893,171 Expired - Lifetime US6006988A (en) | 1997-07-15 | 1997-07-15 | Non-cash media card and process of dispensing from automated teller |
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Cited By (122)
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